# Conferma — Create and send virtual cards

> Secure virtual payment cards for business expenses and expense management. (iPhone/iPad app by Conferma Ltd.)

- Source: https://appshunter.io/ios/app/conferma/id880102167 (this page in markdown: same URL + `.md`)
- Developer: [Conferma Ltd](https://appshunter.io/developer/777540391)
- Category: Travel, Finance
- Price: Free
- Rating: 4.70/5 from 4,765 App Store ratings · 85 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.6 · 84 MB
- Languages: American English, Canadian French, German (Germany), Italian, Japanese, European Portuguese, European Spanish, Chinese (Traditional, Taiwan)
- Released: 2014-06-06
- Data updated: 2026-08-26
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/conferma/id880102167/reviews.md

## What is Conferma?

CONFERMA
Conferma is a cashless solution that brings secure, virtual payment cards to your mobile device for business purchases.
Create single-use or recurring budget cards from a centralised account that your employees can use for online, in-app, or contactless payments via Apple Pay.
Manage business expenses such as travel bookings efficiently, and capture receipts on-the-go - all within one app.
Apply advanced controls and authorisation rules to prevent fraudulent transactions and mitigate misuse and losses.

WHO IS CONFERMA FOR?
Conferma enables employees and contractors to use virtual payment cards for any approved business expense and is ideal for businesses of all sizes.

CREATE OR REQUEST VIRTUAL CARDS
Virtual payment cards can be requested by app users in accordance with your company’s pre-defined policies. Push notifications immediately notify finance managers or approvers of new virtual card requests. Once approved, virtual payment cards are sent directly to your mobile device.
Alternatively, finance managers or administrators can create and push pre-configured cards directly to employees and contractors, without need for individual requests.

REVIEW SPENDING
Capture and upload pictures of receipts, and review colour-coded transactions based on spend categories. 
Notifications remind you to upload your receipts, which are then matched and attached to your transactions in a paperless process. 
Allocate post-spend reviewers to review and approve spending in line with your company’s pre-defined policies. 

VISIBILITY OF CORPORATE SPEND
With Conferma, all spend data flows back to a single centralised account, so that you have complete visibility of virtual card creation and usage. Automated reconciliation against bank data makes the process seamless.
Apply custom data fields such as employee ID, department or project to help efficiently track, review and report on company spend.

## Key features

- Create virtual payment cards
- Manage business expenses
- Capture receipts on-the-go
- Apply advanced controls and authorization rules
- Track and report company spend
- Automated reconciliation

## What do users think of Conferma?

Overall sentiment: negative

**Pros**

- ⭐ Easy to use
- 💳 Convenient virtual card payments
- 👍 Good booking choices

**Cons**

- 🐛 Frequent crashes and app instability
- 🔑 Difficult password management and account access
- 💳 Unreliable virtual card payments
- 🤔 Confusing and unintuitive user experience
- 🔒 Poor security and account management

**Commonly reported bugs**

- Login issues and account lockouts
- Inability to create or access virtual cards
- Crashes and app failures when trying to access bookings
- Compatibility problems with older devices

**Most requested features**

- Improve password reset and account recovery process
- Provide option to save passwords in device keychain
- Allow viewing of full card details in-app
- Add tap-to-pay functionality

## Recent user reviews (10 of 85)

All indexed reviews: https://appshunter.io/ios/app/conferma/id880102167/reviews.md

### 1/5 — Difficult site to use

*2026-08-18, version 5.16.1*

The site is not user friendly you can’t forward any bookings to monitoring Aps

### 1/5 — If I could meet the m0r0n responsible for this

*2026-07-15, version 5.16*

You waste 20mins trying to get back in every time this waste of space resets.  Ridiculous security set up that actually discourages rather than uses best practice.  Corporate User, now campaigning to have this rubbish binned from our travel model.

### 5/5 — Good record keeping

*2026-06-15, version 5.15.1*

I travel a lot for work, this app helps me manage where I’ll be going, how long I’ll be there and much more great app I do highly suggest using app. It is through a business. Not to sure how helpful it will be for personal use probably not very.

### 1/5 — It won’t open

*2026-06-14, version 5.15.1*

App downloaded > deleted > downloaded again (over and over) and it simply will not open anything other than a blank page. I can not even get to the log-in screen

### 1/5 — Dreadful!

*2026-06-10, version 5.15.1*

The only thing worse than this app’s performance is its support. The app is literally a 5-gallon bucket of barf, without the bucket. Login problems are routine. The process for resetting your password hovers between intermittent and downright broken. Unfortunately, my company forces me to (try and) use it. Avoid it, if at all possible.

### 1/5 — Really bad

*2026-06-07, version 5.15.1*

The authentication flow is a joke. 
FaceID, then asked for my password, then OTP, then say the password has expired. 
Then I go to my password manager to make a new password, return to Conferma and it ways that something went wrong and I need to start again. 
Then I can’t request another OTP because it’s too soon, but that last request was for my previous login. 
A truly awful experience, starting with the long-debunked theory that passwords should be rotated.
Finally, when setting up my authenticator app, you ask me to enter the code and the keyboard doesn’t appear. Great work.

### 1/5 — Works like a broken app & service

*2026-06-06, version 5.15.1*

Why is this app in the App Store? It doesn’t work and works more like a very buggy prototype.

### 1/5 — 2FA doesn’t work

*2026-05-26, version 5.15.1*

Absolutely useless. Selecting any of the three methods of 2FA causes the app to freeze then crash. The result is that I can’t even log into the app, much less use it. EDIT: update 5.15.1 installed - fault still apparent. This app is totally unusable.

### 1/5 — Horrible

*2026-05-22, version 5.15*

I need this app to purchase a hotel for my work and it is a blank white screen everytimr I try to open it. It doesnt work on the web either or on my iPad. I reached out for help but they havent been able to fix it either. I never write reviews like this, but this app is legit trash. 🗑️

### 1/5 — What is the benefit

*2026-03-17, version 5.14.2*

Our company made us download this app so we can no longer book ourselves independently, we have to use concur and American Express GBT. You add this Conferma app on top of it which seems like a complete waste of time and they want a lot of your personal information.  I can’t seem to justify why this app even exists….

## Frequently asked questions about Conferma

### What does Conferma do?

Conferma is a cashless solution that provides secure, virtual payment cards for business purchases. It allows employees to make online, in-app, or contactless payments and helps businesses manage expenses, track spending, and prevent fraud.

### How can I create or request virtual cards?

App users can request virtual payment cards based on company policies, triggering notifications for finance managers. Alternatively, administrators can create and push pre-configured cards directly to employees and contractors without individual requests.

### How does Conferma help manage business expenses?

The app allows you to capture and upload receipt images, review color-coded transactions by spend category, and receive reminders to upload receipts. It also enables post-spend reviewers to approve spending in line with company policies.

### Is Conferma free to use?

Based on the provided information, the app is listed as 'free' and does not mention in-app purchases or a subscription model. It also states it does not have ads.

### What are the benefits of using Conferma for businesses?

Conferma offers complete visibility of corporate spend by flowing all data to a central account. It simplifies reconciliation with bank data, allows for custom data fields for tracking, and helps mitigate misuse and losses through advanced controls and authorization rules.

## Version history (last 5 releases)

### 5.16.2 — 2026-08-19

Mobile Application v5.16.2 contains improvements to the log in process and bug fixes.

### 5.16.1 — 2026-07-29

Bug fixes and performance improvements.

### 5.16 — 2026-07-08

Mobile Application v5.16 contains various performance and user interface improvements.

### 5.15.1 — 2026-05-26

This release contains bug fixes and performance improvements.

### 5.15 — 2026-05-20

Mobile Application v5.15 includes bug fixes and performance improvements.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*